MTB M&T Bank

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business model: Diversified banking services focused on Commercial Bank, Retail Bank, and Institutional Services and Wealth Management segments
• • New emphasis: Residential mortgage sub-servicing agreement initiated Feb 2025 adding $51.7B loans under management, boosting Retail Bank noninterest income by $111 million
• • Strategic shift: Election effective Jan 1, 2026 to measure residential mortgage loan servicing rights at fair value, adding $263 million servicing assets and $197 million retained earnings
• • Notable metric: Total net income rose 10% YoY to $2.85 billion, driven by 4% growth in Commercial Bank net income and 6% average loan growth in Retail Bank
• • Unusual fact: "All Other" segment swung from $534 million loss in 2024 to $3 million gain in 2025 due to changes in allocation methodologies and FDIC assessment reduction

Risk Factors

• • Regulatory risk from Federal Reserve’s pending capital framework revisions and long-term debt proposal increasing required long-term debt, likely raising interest expense and reducing net interest margin
• • Macroeconomic exposure to Northeast and Mid-Atlantic regional economic downturns impacting credit quality and causing impairment charges and higher servicing costs
• • Operational risk from reliance on third parties for key business infrastructure, increasing vulnerability to interruptions or breaches beyond company control
• • Competitive risk from financial regulatory reform initiatives affecting M&T’s ability to grow and compete with other $100B+ asset banks facing heightened capital and liquidity requirements
• • Financial risk from increased stress capital buffer (SCB) at 2.7%, with potential future increases restricting dividends, share repurchases, and acquisitions

Management Discussion & Analysis

• • Revenue $9.73B (net interest + other income), up 4.5% from $9.32B in 2024; net interest income (taxable-equivalent) $6.99B up 1% YoY (+$90M)
• • Net income $2.85B, up 10% YoY from $2.59B; net interest margin 3.67% vs 3.58% in 2024; efficiency ratio improved to 56.0% from 56.9%
• • Best segment: Noninterest income +13% (+$315M) led by mortgage banking, trust; worst: Commercial real estate loans declined 17% in portfolio
• • Cash usage: repurchased 14.3M shares for $2.66B (vs 2.1M shares $400M in 2024); issued 45,000 preferred shares with $450M liquidation preference; capex not detailed
• • Outlook: management notes interest rate cuts by FOMC impacting yields; continues portfolio migration from commercial real estate; potential risks in loan recourse exposure noted

What are the latest MTB SEC filings in 2026?

M&T Bank (MTB) has filed a 10-K annual report on February 18, 2026, a 10-Q quarterly report on May 5, 2026, an 8-K current report on July 21, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did MTB file its most recent 10-K annual report?

M&T Bank (MTB) filed its most recent 10-K annual report on February 18, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view MTB 10-Q quarterly reports?

M&T Bank (MTB)'s most recent 10-Q quarterly report was filed on May 5, 2026. SignalX displays every MTB 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has MTB filed recently?

M&T Bank (MTB)'s most recent 8-K was filed on July 21, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find MTB insider trading activity (Form 4)?

SignalX aggregates every MTB Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does MTB file with the SEC?

M&T Bank (MTB) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new MTB filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for M&T Bank (MTB).

What is MTB's SEC CIK number?

M&T Bank (MTB)'s SEC CIK (Central Index Key) number is 36270. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 36270 to look up all MTB filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find MTB return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from M&T Bank (MTB) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.